CommunityWorks City of Spartanburg Homebuyer Assistance Program

What is CommunityWorks City of Spartanburg Homebuyer Assistance Program?

CommunityWorks City of Spartanburg Homebuyer Assistance Program is a forgivable loan for homebuyers in Spartanburg, South Carolina, administered by CommunityWorks Carolina.

• Qualified first-time homebuyers purchasing a home in the City of Spartanburg can receive up to $20,000 in down payment and/or closing cost assistance. The assistance is a 0% non-amortizing subordinate loan forgiven over 20 years, administered by CommunityWorks Carolina on behalf of the City of Spartanburg. Buyers must be at or below 80% AMI and purchase a property within Spartanburg city limits (with a GIS eligibility map available). Households with AMI between 80% and 100% may be eligible if purchasing a qualified property.
• Up to $20,000 forgivable DPA.
• 0% interest, no monthly payments.
• Forgiven over 20 years.
• Available for new and existing homes.
• Funding comes from City of Spartanburg (ARPA/HOME).

How much assistance does it provide?

CommunityWorks City of Spartanburg Homebuyer Assistance Program offers up to $20,000 in assistance.

• The program asks buyers to contribute $500 minimum buyer contribution.
• Amounts are the program's published maximums, not an offer — CommunityWorks Carolina determines any individual award.

Do you have to pay it back?

CommunityWorks City of Spartanburg Homebuyer Assistance Program is forgiven after 20 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Sale, refinance, or property no longer primary residence before term.
• The assistance is recorded in 2nd position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

CommunityWorks City of Spartanburg Homebuyer Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

CommunityWorks City of Spartanburg Homebuyer Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

• At or below 80% AMI for Spartanburg County (4-person limit $65,700 per 2025 HUD limits). Households 80-100% AMI may qualify for certain properties.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

CommunityWorks City of Spartanburg Homebuyer Assistance Program caps the purchase price at $237,000.

• Eligible property types include Single Family and Modular.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

CommunityWorks City of Spartanburg Homebuyer Assistance Program serves buyers purchasing in Spartanburg, South Carolina.

• The program targets specific areas: Within City of Spartanburg limits only (see https://experience.arcgis.com/experience/0cdf451233de4435affca8a884b74fea/).

How do you apply?

Applications for CommunityWorks City of Spartanburg Homebuyer Assistance Program go through CommunityWorks Carolina, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through ReGenesis (Spartanburg).

2. 2

   Contact CommunityWorks Carolina to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.